Welcome to the KFA a.k.a. Keith Fryer Associates CA, Inc, web site , this site is owned and operated by Keith Fryer Associates Ca, Inc. 
These Terms of Use, along with policies and guidelines located throughout the KFA Web site identify what users of the KFA Web site can expect from www.kfa-ca.com , and what we expect from users. By accessing any areas of the KFA Web site, users are deemed to have accepted these Terms of Use and other policies and guidelines identified throughout the KFA Web site. 
 

Privacy Policy  

www.kfa-ca.com com respects the privacy of its Users. The terms and conditions of the KFA  Privacy Policy, are incorporated herein by reference. 
 

Content 
Proprietary Rights

User acknowledges that the www.kfa-ca.com Web site contains Content that are protected by copyrights, trademarks, trade secrets, or other proprietary rights, and that these rights are valid and protected in all forms, media and technologies existing now or hereinafter developed. All Content is copyrighted as a collective work under the U.S. copyright laws, and Atouchofheaven.net owns a copyright in the selection, coordination, arrangement, and enhancement of such Content. User may not modify, remove, delete, augment, add to, publish, transmit, participate in the transfer or sale of, create derivative works from, or in any way exploit any of the Content, in whole or in part. If no specific restrictions are displayed, Users may make copies of select portions of the Content, provided that the copies are made only for User's personal use and that User maintains any notices contained in the Content, such as all copyright notices, trademark legends, or other proprietary rights notices. Except as provided in the preceding sentence or as permitted by the fair use privilege under the U.S. copyright laws (see, e.g., 17 U.S.C. Section 107), User may not upload, post, reproduce, or distribute in any way Content protected by copyright, or other proprietary right, without obtaining permission of the owner of the copyright or other propriety right. In addition to the foregoing, use of any software Content shall be governed by the software license agreement accompanying such software. 
 

Third-Party Content
In some instances, the Content available through the www.kfa-ca.com Web site represents the opinions and judgments of the respective third party providing such Content. www.kfa-ca.com neither endorses nor is responsible for the accuracy or reliability of any opinion, advice, or statement made on the www.kfa-ca.com; Web site by anyone other than www.kfa-ca.com; Under no circumstances shall www.kfa-ca.com, or its affiliates, or any of their officers, directors, employees, or agents be liable for any loss, damage or harm caused by a User's reliance on information obtained through the www.kfa-ca.com; Web site. It is the responsibility of User to evaluate the information, opinion, advice, or other Content available through the www.kfa-ca.com; Web site.

Termination of Usage
www.kfa-ca.com; may suspend or terminate any User's access to all or any part of the www.kfa-ca.com; Web site including any account thereon, without notice, for any reason in www.kfa-ca.com; sole discretion.

Disclaimers and Limitation of Liabilities
THE www.kfa-ca.com; Web site IS PROVIDED BY Keith Fryer Associates CA, Inc, ON AN "AS IS" AND "AS AVAILABLE" BASIS. TO THE FULLEST EXTENT PERMISSIBLE BY APPLICABLE LAW, Keith Fryer Associates CA, Inc, DISCLAIMS ALL IMPLIED WARRANTIES.

WITHOUT LIMITING THE FOREGOING, Keith Fryer Associates CA, Inc, MAKES NO REPRESENTATION OR WARRANTY OF ANY KIND, EXPRESS OR IMPLIED: (I) AS TO THE OPERATION OF THE www.kfa-ca.com; Web site, OR THE INFORMATION, CONTENT, MATERIALS OR PRODUCTS INCLUDED THEREON; (II) THAT THE www.kfa-ca.com; Web site WILL BE UNINTERRUPTED OR ERROR-FREE; (III) AS TO THE ACCURACY, RELIABILITY, OR CURRENCY OF ANY INFORMATION, CONTENT, SERVICE, OR MERCHANDISE PROVIDED THROUGH THE www.kfa-ca.com; Web site; OR (IV) THAT THE www.kfa-ca.com; Web site, ITS SERVERS, OR E-MAIL SENT FROM OR ON BEHALF OF www.kfa-ca.com; ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

Keith Fryer Associates CA, Inc, DOES NOT GUARANTEE THE CONTINUOUS, UNINTERRUPTED OR SECURE ACCESS TO www.kfa-ca.com; Web site OR ANY RELATED SERVICES. THE OPERATION OF THE www.kfa-ca.com; Web site MAY BE INTERFERED WITH BY NUMEROUS FACTORS OUTSIDE THE CONTROL OF Keith Fryer Associates CA, Inc.

UNDER NO CIRCUMSTANCES SHALL; Keith Fryer Associates CA, Inc, BE LIABLE FOR ANY DAMAGES THAT RESULT FROM THE USE OF OR INABILITY TO USE THE www.kfa-ca.com; Web site, INCLUDING BUT NOT LIMITED TO RELIANCE BY A USER ON ANY INFORMATION OBTAINED FROM THE www.kfa-ca.com Web site OR THAT RESULT FROM MISTAKES, OMISSIONS, INTERRUPTIONS, DELETION OF FILES OR EMAIL, ERRORS, DEFECTS, VIRUSES, DELAYS IN OPERATION OR TRANSMISSION, OR ANY FAILURE OF PERFORMANCE, WHETHER OR NOT RESULTING FROM ACTS OF GOD, COMMUNICATIONS FAILURE, THEFT, DESTRUCTION, OR UNAUTHORIZED ACCESS TO www.kfa-ca.com; RECORDS, PROGRAMS, OR SERVICES. USER HEREBY ACKNOWLEDGES THAT THIS PARAGRAPH SHALL APPLY TO ALL CONTENT, MERCHANDISE, AND SERVICES AVAILABLE THROUGH THE www.kfa-ca.com; Web site.

CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO A USER, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO SUCH USER, AND SUCH USER MAY HAVE ADDITIONAL RIGHTS.

Acknowledgement
The Terms of Use, including all documents referenced herein represents the entire understanding between User and www.kfa-ca.com; regarding User's relationship with www.kfa-ca.com; and supersedes any prior statements or representations. When using the www.kfa-ca.com; Web site or making a purchase there from, USER AGREES TO BE BOUND BY THESE TERMS OF USE.

Modification
www.kfa-ca.com; reserves the right to make changes to the www.kfa-ca.com; Web site, posted policies and these Terms of Use at any time without notice. These Terms of Use were last revised on January 1, 2011.

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